| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| FLYWFlywire Corporation | 1.67B | 13.87 | 619.20 | 22.09% | -0.42% | -0.29% | 5.43% | 0.00 |
| CTLPCantaloupe, Inc. | 802.56M | 10.89 | 12.66 | 12.64% | 19.21% | 23.59% | 0.42% | 0.19 |
| USIOUsio, Inc. | 37.41M | 1.37 | 11.42 | 0.41% | -0.46% | -2.08% | 5.09% | 0.20 |
| JFU9F Inc. | 52.73M | 6.05 | 1.44 | -24.85% | 16.13% | 1.37% | 86.01% | 0.00 |
| NYAXNayax Ltd. | 2.18B | 59.08 | -369.25 | 33.34% | 6.47% | 11.59% | 0.82% | 0.33 |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 2.26B | 6.74B | 5.56B | 4.42B | 1.26B | 761.45M | 561.67M | 412.45M | 309.97M |
| Revenue Growth % | - | 1.98% | -0.18% | -0.2% | -0.72% | -0.39% | -0.26% | -0.27% | -0.25% |
| Cost of Goods Sold | 168.02M | 502.05M | 444.83M | 1.14B | 545.77M | 106.18M | 115.44M | 115.18M | 107.85M |
| COGS % of Revenue | 0.07% | 0.07% | 0.08% | 0.26% | 0.43% | 0.14% | 0.21% | 0.28% | 0.35% |
| Gross Profit | 2.09B | 6.24B | 5.11B | 3.29B | 710.23M | 655.27M | 446.23M | 297.27M | 202.13M |
| Gross Margin % | 0.93% | 0.93% | 0.92% | 0.74% | 0.57% | 0.86% | 0.79% | 0.72% | 0.65% |
| Gross Profit Growth % | - | 1.98% | -0.18% | -0.36% | -0.78% | -0.08% | -0.32% | -0.33% | -0.32% |
| Operating Expenses | 1.67B | 5.24B | 2.94B | 5.84B | 1.99B | 710.72M | 596.5M | 490.85M | 247.58M |
| OpEx % of Revenue | 0.74% | 0.78% | 0.53% | 1.32% | 1.59% | 0.93% | 1.06% | 1.19% | 0.8% |
| Selling, General & Admin | 1.7B | 5.32B | 2.91B | 3.5B | 1.64B | 688.3M | 437.13M | 298.09M | 237.02M |
| SG&A % of Revenue | 0.75% | 0.79% | 0.52% | 0.79% | 1.31% | 0.9% | 0.78% | 0.72% | 0.76% |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | 0 | 0 | 0 | 2.34B | 347.8M | 22.42M | 159.38M | 192.76M | 10.56M |
| Operating Income | 396.57M | 920.55M | 2.21B | -2.36B | -1.28B | -55.45M | -150.28M | -193.58M | -45.46M |
| Operating Margin % | 0.18% | 0.14% | 0.4% | -0.53% | -1.02% | -0.07% | -0.27% | -0.47% | -0.15% |
| Operating Income Growth % | - | 1.32% | 1.4% | -2.07% | 0.46% | 0.96% | -1.71% | -0.29% | 0.77% |
| EBITDA | 405.93M | 932.44M | 2.23B | -2.32B | -1.26B | -23.91M | -129.28M | -175.99M | -23.11M |
| EBITDA Margin % | 0.18% | 0.14% | 0.4% | -0.52% | -1% | -0.03% | -0.23% | -0.43% | -0.07% |
| EBITDA Growth % | - | 1.3% | 1.39% | -2.04% | 0.46% | 0.98% | -4.41% | -0.36% | 0.87% |
| D&A (Non-Cash Add-back) | 9.36M | 11.89M | 18.76M | 37.47M | 24.22M | 31.54M | 21M | 17.59M | 22.34M |
| EBIT | 396.57M | 920.55M | 2.21B | -2.36B | -1.28B | -55.45M | -150.28M | -193.58M | -45.46M |
| Net Interest Income | 13.42M | 73.64M | 208.35M | 225.75M | 102.42M | 47.51M | 47.59M | 97.67M | 84.62M |
| Interest Income | 13.42M | 73.64M | 208.35M | 225.75M | 102.42M | 47.51M | 47.59M | 97.67M | 84.62M |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Income/Expense | 36.19M | 155.63M | 169.42M | 32.06M | -430.71M | -151.48M | -433.03M | 60.97M | 109.59M |
| Pretax Income | 432.76M | 1.08B | 2.38B | -2.33B | -1.71B | -206.94M | -583.31M | -132.6M | 64.14M |
| Pretax Margin % | 0.19% | 0.16% | 0.43% | -0.53% | -1.36% | -0.27% | -1.04% | -0.32% | 0.21% |
| Income Tax | 271.13M | 352.43M | 402.4M | -174.6M | 538.32M | 26.73M | 11.62M | 7.75M | 13.98M |
| Effective Tax Rate % | 0.33% | 0.37% | 0.72% | 0.93% | 1.32% | 1.14% | 1.02% | 1.06% | 0.78% |
| Net Income | 142.31M | 401.31M | 1.72B | -2.17B | -2.26B | -234.91M | -594.74M | -140.19M | 49.98M |
| Net Margin % | 0.06% | 0.06% | 0.31% | -0.49% | -1.8% | -0.31% | -1.06% | -0.34% | 0.16% |
| Net Income Growth % | - | 1.82% | 3.29% | -2.26% | -0.04% | 0.9% | -1.53% | 0.76% | 1.36% |
| Net Income (Continuing) | 146.58M | 659.05M | 2.02B | -2.15B | -2.25B | -233.67M | -594.94M | -140.35M | 50.16M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 11.98M | 16.2M | 10.45M | 47.05M | 54.74M | 55.75M | 54.78M | 54.62M | 54.79M |
| EPS (Diluted) | 21.34 | 58.57 | 188.12 | -248.60 | -227.40 | -22.00 | -51.00 | -12.00 | 4.20 |
| EPS Growth % | - | 1.74% | 2.21% | -2.32% | 0.09% | 0.9% | -1.32% | 0.76% | 1.35% |
| EPS (Basic) | 22.97 | 64.51 | 211.47 | -248.60 | -227.40 | -22.00 | -51.00 | -12.00 | 4.20 |
| Diluted Shares Outstanding | 9.69M | 9.69M | 9.69M | 8.73M | 9.93M | 10.68M | 11.66M | 11.77M | 11.8M |
| Basic Shares Outstanding | 9.69M | 9.69M | 9.69M | 8.73M | 9.93M | 10.68M | 11.66M | 11.77M | 11.77M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 1.9B | 5.54B | 7.93B | 7.22B | 4.49B | 4.18B | 3.64B | 2.86B | 3.17B |
| Cash & Short-Term Investments | 1.24B | 4.48B | 6.3B | 4.71B | 2.86B | 2.7B | 2.87B | 2.46B | 2.6B |
| Cash Only | 1.24B | 3.78B | 5.47B | 4.68B | 2.73B | 2.44B | 2.43B | 1.69B | 379.35M |
| Short-Term Investments | 0 | 700M | 833.48M | 24M | 133.76M | 253.11M | 433.11M | 774.6M | 2.22B |
| Accounts Receivable | 374.69M | 538.04M | 339.22M | 423.16M | 177.98M | 452.4M | 354.63M | 38.04M | 152.51M |
| Days Sales Outstanding | 60.5 | 29.13 | 22.28 | 34.9 | 51.72 | 216.86 | 230.46 | 33.66 | 179.58 |
| Inventory | 245.35M | 489.58M | 486.19M | 1.21B | 1.15B | 1.03B | 419.92M | 0 | 998K |
| Days Inventory Outstanding | 532.97 | 355.93 | 398.94 | 387.22 | 766.92 | 3.54K | 1.33K | - | 3.38 |
| Other Current Assets | 186.43M | 36.09M | 56.9M | -196.23M | 259.23M | -36.31M | -5.88M | 197.42M | 264.26M |
| Total Non-Current Assets | 254.83M | 734.63M | 1.18B | 1.66B | 896.87M | 871.24M | 668.12M | 1.18B | 949.28M |
| Property, Plant & Equipment | 20.07M | 54.67M | 86.27M | 232.17M | 92.06M | 62.07M | 78.05M | 79.95M | 64.8M |
| Fixed Asset Turnover | 112.66x | 123.32x | 64.41x | 19.06x | 13.64x | 12.27x | 7.20x | 5.16x | 4.78x |
| Goodwill | 10.63M | 13.06M | 13.38M | 72.22M | 22.12M | 22.12M | 24.73M | 0 | 0 |
| Intangible Assets | 17.85M | 46.05M | 44.73M | 73.48M | 44.41M | 37.28M | 35.13M | 29.5M | 4.63M |
| Long-Term Investments | 152.03M | 509.74M | 954.16M | 775.64M | 738.27M | 727.43M | 530.21M | 1.07B | 879.6M |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 22.35M | -668.12M | 2.15M | 253K |
| Total Assets | 2.15B | 6.28B | 9.11B | 8.88B | 5.39B | 5.05B | 4.31B | 4.04B | 4.12B |
| Asset Turnover | 1.05x | 1.07x | 0.61x | 0.50x | 0.23x | 0.15x | 0.13x | 0.10x | 0.08x |
| Asset Growth % | - | 1.91% | 0.45% | -0.02% | -0.39% | -0.06% | -0.15% | -0.06% | 0.02% |
| Total Current Liabilities | 936.76M | 1.74B | 1.46B | 2.41B | 1.12B | 834.03M | 584.19M | 445.96M | 453.73M |
| Accounts Payable | 32.06M | 20.02M | 47.5M | 125.44M | 405.72M | 273.77M | 153.7M | 42.95M | 57.17M |
| Days Payables Outstanding | 69.66 | 14.56 | 38.97 | 40.25 | 271.33 | 941.1 | 485.97 | 136.12 | 193.47 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue (Current) | 1000K | 1000K | 1000K | 1000K | 0 | 1000K | 1000K | 1000K | 1000K |
| Other Current Liabilities | 25.17M | 37.96M | 82.79M | 80.94M | 129.08M | 33.31M | 2.21M | 2.11M | 0 |
| Current Ratio | 2.03x | 3.18x | 5.42x | 3.00x | 3.99x | 5.01x | 6.24x | 6.42x | 6.99x |
| Quick Ratio | 1.77x | 2.90x | 5.09x | 2.50x | 2.97x | 3.78x | 5.52x | 6.42x | 6.99x |
| Cash Conversion Cycle | 523.81 | 370.5 | 382.25 | 381.87 | 547.3 | 2.81K | 1.07K | - | -10.51 |
| Total Non-Current Liabilities | 218.26M | 829.72M | 1.39B | 142.62M | 38.78M | 25.64M | 15.44M | 20.77M | 12.74M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Capital Lease Obligations | 0 | 0 | 0 | 125.41M | 29.5M | 17.91M | 8.32M | 14.72M | 9.57M |
| Deferred Tax Liabilities | 2.94M | 9.31M | 9M | 17.21M | 9.28M | 7.73M | 7.13M | 6.05M | 763K |
| Other Non-Current Liabilities | 215.32M | 820.41M | 1.38B | 0 | -82.64M | 799.66M | 21.22M | 0 | 2.4M |
| Total Liabilities | 1.16B | 2.57B | 2.85B | 2.55B | 1.16B | 859.66M | 599.63M | 466.73M | 466.47M |
| Total Debt | 1M | 1M | 1M | 125.41M | 29.5M | 17.91M | 8.32M | 14.72M | 9.57M |
| Net Debt | -1.24B | -3.78B | -5.47B | -4.56B | -2.7B | -2.43B | -2.42B | -1.67B | -369.77M |
| Debt / Equity | 0.00x | 0.00x | 0.00x | 0.02x | 0.01x | 0.00x | 0.00x | 0.00x | 0.00x |
| Debt / EBITDA | 0.00x | 0.00x | 0.00x | - | - | - | - | - | - |
| Net Debt / EBITDA | -3.05x | -4.05x | -2.46x | - | - | - | - | - | - |
| Interest Coverage | - | - | - | - | - | - | - | - | - |
| Total Equity | 998.63M | 3.7B | 6.25B | 6.33B | 4.22B | 4.19B | 3.71B | 3.57B | 3.66B |
| Equity Growth % | - | 2.71% | 0.69% | 0.01% | -0.33% | -0.01% | -0.11% | -0.04% | 0.02% |
| Book Value per Share | 103.03 | 382.21 | 645.32 | 725.03 | 425.32 | 392.25 | 318.24 | 303.44 | 310.00 |
| Total Shareholders' Equity | 986.66M | 3.69B | 6.24B | 6.28B | 4.17B | 4.13B | 3.66B | 3.52B | 3.6B |
| Common Stock | 0 | 0 | 0 | 2K | 2K | 2K | 2K | 2K | 2K |
| Retained Earnings | 640.17M | 987.71M | 2.67B | 488.24M | -1.82B | -2.06B | -2.69B | -2.83B | -2.78B |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | 95.31M | 162.17M | 526.47M | 551.25M | 459.4M | 411.36M | 556.48M | 630.5M | 670.4M |
| Minority Interest | 11.98M | 16.2M | 10.45M | 47.05M | 54.74M | 55.75M | 54.78M | 54.62M | 54.79M |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 413.97M | 2.87B | 2.35B | -429.05M | -1.74B | -229.72M | 63.32M | 62.5M | 46.49M |
| Operating CF Margin % | 0.18% | 0.43% | 0.42% | -0.1% | -1.39% | -0.3% | 0.11% | 0.15% | 0.15% |
| Operating CF Growth % | - | 5.92% | -0.18% | -1.18% | -3.07% | 0.87% | 1.28% | -0.01% | -0.26% |
| Net Income | 156.04M | 597.7M | 1.98B | -2.16B | -2.26B | -234.91M | -594.74M | -140.35M | 50.16M |
| Depreciation & Amortization | 9.36M | 11.89M | 18.76M | 37.47M | 24.22M | 31.54M | 21M | 17.59M | 22.34M |
| Stock-Based Compensation | 110.43M | 2.18B | 508.16M | 353.15M | 290.63M | 52.34M | 5.46M | -72.13M | -959K |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -5.29M |
| Other Non-Cash Items | 297.29M | 471.29M | -103.11M | 2.43B | 666.1M | 217.52M | 618.3M | 227.64M | -20.79M |
| Working Capital Changes | -159.14M | -395.8M | -59.72M | -1.09B | -466.65M | -296.21M | 13.3M | 29.75M | 1.03M |
| Change in Receivables | -2.45M | -219.67M | 109.98M | -1.57B | -100.25M | -32.98M | -8.99M | 52.79M | -8.64M |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash from Investing | -222.91M | -1.01B | -1.24B | -707.61M | 39.47M | -321.52M | -277.77M | -949.02M | -1.29B |
| Capital Expenditures | -20.09M | -47.69M | -48.58M | -56.69M | 0 | -7.74M | -44.81M | -5.74M | -1.14M |
| CapEx % of Revenue | 0.01% | 0.01% | 0.01% | 0.01% | - | 0.01% | 0.08% | 0.01% | 0% |
| Acquisitions | - | - | - | - | - | - | - | - | - |
| Investments | - | - | - | - | - | - | - | - | - |
| Other Investing | -182.02M | -933.71M | -1.19B | -592.62M | 39.47M | -302.95M | -230.06M | -53.88M | 729K |
| Cash from Financing | 701K | 563.36M | 545.89M | 471.98M | 12.9M | 199.63M | 0 | 0 | 0 |
| Debt Issued (Net) | - | - | - | - | - | - | - | - | - |
| Equity Issued (Net) | - | - | - | - | - | - | - | - | - |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | - | - | - | - | - | - | - | - | - |
| Other Financing | 701K | 6.03M | 1.1M | 8.91M | 12.9M | 433K | 0 | 0 | 0 |
| Net Change in Cash | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | 393.89M | 2.82B | 2.3B | -485.74M | -1.74B | -237.46M | 18.51M | 56.76M | 45.35M |
| FCF Margin % | 0.17% | 0.42% | 0.41% | -0.11% | -1.39% | -0.31% | 0.03% | 0.14% | 0.15% |
| FCF Growth % | - | 6.15% | -0.18% | -1.21% | -2.59% | 0.86% | 1.08% | 2.07% | -0.2% |
| FCF per Share | 40.64 | 290.72 | 237.01 | -55.66 | -175.69 | -22.23 | 1.59 | 4.82 | 3.85 |
| FCF Conversion (FCF/Net Income) | 2.91x | 7.14x | 1.36x | 0.20x | 0.77x | 0.98x | -0.11x | -0.45x | 0.93x |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Taxes Paid | 50.87M | 293.8M | 522.29M | 327.23M | 163M | 2.91M | 21.63M | 24.22M | 8.52M |
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 14.25% | 17.07% | 34.54% | -34.5% | -42.82% | -5.58% | -15.05% | -3.85% | 1.38% |
| Return on Invested Capital (ROIC) | - | - | 463.66% | -138.51% | -58.36% | -2.53% | -7.39% | -9.11% | -1.31% |
| Gross Margin | 92.57% | 92.55% | 91.99% | 74.29% | 56.55% | 86.06% | 79.45% | 72.07% | 65.21% |
| Net Margin | 6.3% | 5.95% | 30.95% | -49.05% | -179.85% | -30.85% | -105.89% | -33.99% | 16.13% |
| Debt / Equity | 0.00x | 0.00x | 0.00x | 0.02x | 0.01x | 0.00x | 0.00x | 0.00x | 0.00x |
| FCF Conversion | 2.91x | 7.14x | 1.36x | 0.20x | 0.77x | 0.98x | -0.11x | -0.45x | 0.93x |
| Revenue Growth | - | 198.22% | -17.58% | -20.36% | -71.62% | -39.38% | -26.24% | -26.57% | -24.85% |
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|
| Wealth Management Member | - | - | - | - | - | 36.03M |
| Wealth Management Member Growth | - | - | - | - | - | - |
| Product and Service, Other | - | - | - | - | 18.42M | - |
| Product and Service, Other Growth | - | - | - | - | - | - |
| Other Products Member | - | - | - | 43.7M | - | - |
| Other Products Member Growth | - | - | - | - | - | - |
| Technical services | - | - | 417.57M | - | - | - |
| Technical services Growth | - | - | - | - | - | - |
| Sales income | - | - | 202.96M | - | - | - |
| Sales income Growth | - | - | - | - | - | - |
| Other revenue | - | - | 101.14M | - | - | - |
| Other revenue Growth | - | - | - | - | - | - |
| Other Products | 260.92M | 219.76M | 101.14M | - | - | - |
| Other Products Growth | - | -15.77% | -53.97% | - | - | - |
| Wealth management product revenue | - | - | 39.78M | - | - | - |
| Wealth management product revenue Growth | - | - | - | - | - | - |
| Post-origination services | - | - | 39.78M | - | - | - |
| Post-origination services Growth | - | - | - | - | - | - |
| Post Origination Service | 604.73M | 859.1M | - | - | - | - |
| Post Origination Service Growth | - | 42.06% | - | - | - | - |
| Loan Product | 3.59B | 847.58M | - | - | - | - |
| Loan Product Growth | - | -76.40% | - | - | - | - |
| Product And Service Other | 342.33M | 219.76M | - | - | - | - |
| Product And Service Other Growth | - | -35.81% | - | - | - | - |
| Wealth Management | 573.36M | 188.67M | - | - | - | - |
| Wealth Management Growth | - | -67.09% | - | - | - | - |
| Loan Facilitation Service | 3.48B | 177.15M | - | - | - | - |
| Loan Facilitation Service Growth | - | -94.91% | - | - | - | - |
9F Inc. (JFU) has a price-to-earnings (P/E) ratio of 1.4x. This may indicate the stock is undervalued or faces growth challenges.
9F Inc. (JFU) reported $310.0M in revenue for fiscal year 2024. This represents a 86% decrease from $2.26B in 2016.
9F Inc. (JFU) saw revenue decline by 24.8% over the past year.
Yes, 9F Inc. (JFU) is profitable, generating $50.0M in net income for fiscal year 2024 (16.1% net margin).
9F Inc. (JFU) has a return on equity (ROE) of 1.4%. This is below average, suggesting room for improvement.
9F Inc. (JFU) generated $45.4M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.